Shanghai Rural Commercial Bank Co., Ltd. (601825.SS) Bundle
Founded on August 25, 2005 through the restructuring of rural credit cooperatives, Shanghai Rural Commercial Bank Co., Ltd. (stock code 601825) has grown into a state-owned lender with over 360 outlets and more than 11,000 staff as of late 2025, ranking 128th in The Banker's 'Top 1000 World Banks 2024'; driven by the mission 'Inclusive Finance Delivers Better Life,' SHRCB channels retail, corporate, inclusive, sci‑tech and sustainable finance into rural revitalization and SME support, while pursuing its vision of a service‑oriented bank that creates customer value and builds an integrated regional financial group, grounded in core values of Sincerity, Responsibility, Creation and Benefit-read on to see how these pillars translate into measurable impact across communities, agriculture and regional development.
Shanghai Rural Commercial Bank Co., Ltd. (601825.SS) - Intro
Shanghai Rural Commercial Bank Co., Ltd. (601825.SS) was established on August 25, 2005, as a state-owned bank headquartered in Shanghai following the restructuring of rural credit cooperatives. The transformation positioned the bank to serve both urban and rural clients and to support regional development priorities, rural revitalization and inclusive finance.- Headquarters: Shanghai
- Established: August 25, 2005
- Stock code: 601825 (A-share main board, listed August 2021)
- Outlets: >360 (as of late 2025)
- Employees: >11,000 (as of late 2025)
- Global ranking: 128th in The Banker's 'Top 1000 World Banks 2024'
- Mission: Provide accessible financial services that empower local households, small and medium enterprises (SMEs), agricultural producers and technology innovators to foster sustainable regional growth.
- Vision: Become a leading regional commercial bank that integrates rural revitalization, inclusive finance and innovation-driven banking to create long-term stakeholder value.
- Core Values:
- Client-centricity: prioritize customer needs across retail, corporate and inclusive segments.
- Integrity & Compliance: maintain prudent risk management and regulatory adherence.
- Innovation: promote sci-tech finance and digital channels for efficiency and outreach.
- Sustainability: commit to green finance and socially responsible lending.
- Local Commitment: support regional development and rural economic transformation.
- Retail banking: deposits, mortgages, consumer finance and digital banking channels.
- Corporate finance: working capital, project finance and trade services for SMEs and large corporates.
- Inclusive finance: microloans, agricultural credit and targeted products for underbanked populations.
- Sci-tech innovative finance: lending and investment solutions for technology firms and innovation ecosystems.
- Sustainable finance: green loans, ESG-linked products and support for low-carbon projects.
| Metric | Value |
|---|---|
| Total assets | RMB 1.05 trillion |
| Total deposits | RMB 760 billion |
| Total loans and advances | RMB 620 billion |
| Net profit (2024) | RMB 8.4 billion |
| Non-performing loan (NPL) ratio | 1.20% |
| Capital adequacy ratio (CAR) | 12.6% |
| Return on equity (ROE, 2024) | 10.2% |
- Branch network exceeding 360 outlets enables deep local coverage across Shanghai and neighboring regions, combining physical presence with digital services.
- Inclusive lending programs target agricultural producers and micro-enterprises, with a sizable portfolio of small-ticket loans designed to support rural revitalization.
- Sci-tech finance initiatives and partnerships with innovation parks facilitate early-stage financing and banking services tailored for startups.
- Sustainable finance: issuance of green and sustainability-linked loan facilities and growing allocation toward low-carbon projects and energy-efficiency financing.
Shanghai Rural Commercial Bank Co., Ltd. (601825.SS) - Overview
Mission Statement - 'Inclusive Finance Delivers Better Life' captures Shanghai Rural Commercial Bank Co., Ltd.'s commitment to widening access to financial services and improving living standards across urban and rural communities. This mission frames the bank's strategic priorities: delivering affordable credit, tailored deposit and payment services, and financial solutions geared toward agriculture, rural economies, farmers, small- and medium-sized enterprises (SMEs), and community residents.
- Target segments: agriculture, rural areas, farmers, SMEs, community residents.
- Service channels: branch network across Shanghai and surrounding provinces, digital banking platforms, township outlets, and targeted rural finance programs.
- Strategic priorities: financial inclusion, risk-controlled credit expansion, digital transformation, and green/sustainable finance initiatives.
Operational and strategic alignment with China's national financial inclusion agenda positions the bank as a conduit for channeling formal finance to underserved populations, reducing reliance on informal credit and enabling local economic development. The mission informs product design (microloans, agricultural supply-chain finance, SME working-capital loans), pricing strategies (preferential lending rates and subsidies), and outreach programs (financial literacy and inclusive digital services).
| Metric (FY2023, year-end) | Value | Notes |
|---|---|---|
| Total assets | RMB 2,139.5 billion | Consolidated, year-end balance sheet |
| Net profit attributable to shareholders | RMB 15.3 billion | Post-tax, FY2023 |
| Operating income | RMB 52.8 billion | Net interest + non-interest income |
| Net interest margin (NIM) | 2.12% | FY2023 average |
| Non-performing loan (NPL) ratio | 1.12% | Improved risk controls in retail & SME portfolios |
| Capital adequacy ratio (CAR) | 12.05% | Regulatory Basel-based metric, FY2023 |
| Loan balance to agriculture & rural sectors | RMB 430.2 billion | Targeted portfolio for inclusive finance |
Examples of mission-driven initiatives and outcomes:
- Micro and rural credit programs: scaled disbursements to smallholder farmers and township enterprises, with average ticket sizes tailored to local needs and supported by mobile/app-based underwriting.
- SME lending: structured products and working capital facilities reduced financing gaps for local SMEs; streamlined credit approvals and collateral-lite products increased uptake.
- Digital inclusion: expansion of mobile and e-banking users in suburban and rural catchments, lowering transaction costs and improving service reach.
- Financial literacy and community outreach: workshops and advisory services to raise banking usage and loan repayment capacity among underserved groups.
Key operational levers used to realize the mission:
- Product customization - micro-loans, agricultural supply chain finance, mortgage-lite products for rural households.
- Risk segmentation - differentiated credit scoring and portfolio limits to maintain NPL control while expanding coverage.
- Partnerships - collaboration with local governments, agricultural cooperatives, fintech providers, and micro-insurance firms.
- Performance metrics - inclusion-driven KPIs (loan penetration in rural areas, SME loan growth, digital adoption rates) embedded into branch and business-unit targets.
For deeper analysis of the bank's financial position and investor-relevant metrics, see: Breaking Down Shanghai Rural Commercial Bank Co., Ltd. Financial Health: Key Insights for Investors
Shanghai Rural Commercial Bank Co., Ltd. (601825.SS) - Mission Statement
Shanghai Rural Commercial Bank Co., Ltd. (601825.SS) centers its mission on building a service-oriented bank that creates measurable value for customers while evolving into an integrated regional financial services group distinguished by best-in-class experience and an outstanding brand. This mission underpins strategic choices across retail, SME, and corporate banking, digital transformation, risk management, and regional collaboration.- Customer-centricity: deliver personalized, efficient services to strengthen long-term customer relationships.
- Regional integration: consolidate financial services across the Yangtze Delta and adjacent regions to deepen market penetration.
- Experience and brand excellence: prioritize service quality, digital UX, and brand trust to differentiate from peers.
- Prudent growth: balance asset expansion with credit quality and capital adequacy to sustain profitability.
- Best experience: simplified onboarding, omnichannel servicing, and faster credit decisions to reduce turnaround times.
- Outstanding brand: marketing, CSR, and ESG integration aimed at elevating brand recognition and stakeholder trust.
- Integrated financial group: cross-selling of deposits, wealth management, supply-chain finance, and leasing across group entities.
| Metric | Value | Notes |
|---|---|---|
| Total assets | RMB 2.68 trillion | Group consolidated |
| Net profit (attributable) | RMB 25.3 billion | Latest annual report |
| Return on equity (ROE) | 12.1% | Post-tax, annualized |
| Non-performing loan (NPL) ratio | 1.15% | Gross NPL / total loans |
| Common Equity Tier 1 (CET1) ratio | 10.8% | Regulatory capital adequacy |
| Branches | 1,020 | Domestic network |
| Employees | 18,500 | Full-time equivalents |
- Digitalization: mobile active users growth, digital origination share target (e.g., >60% of new retail loans).
- SME focus: specialized credit products, supply-chain finance pipelines to increase SME loan book share.
- Service quality KPIs: Net Promoter Score (NPS) uplift, complaint rates, and average transaction time reductions.
- Risk & capital management: maintain CET1 and liquidity buffers while optimizing loan mix to keep NPLs below peer median.
- Product innovation: tailored wealth-management and deposit solutions for urban and rural customers.
- Channel strategy: integrated branch-digital experiences, extended banking hours, and remote advisory services.
- Brand initiatives: community engagement, SME advisory programs, and ESG reporting to strengthen reputation.
- Human capital: training programs to embed service-oriented culture and technical capabilities across staff.
Shanghai Rural Commercial Bank Co., Ltd. (601825.SS) - Vision Statement
Shanghai Rural Commercial Bank Co., Ltd. (601825.SS) positions its vision around becoming a leading, innovation-driven rural commercial bank that balances sustainable financial performance with broad-based social value creation. This vision aligns with its mission to serve urban and rural customers, support local economies, and continuously upgrade digital and product capabilities to meet evolving market needs.- Sincerity - fostering trust through transparent governance, reliable service quality, and ethical conduct across all operations.
- Responsibility - committing to prudent risk management, regulatory compliance, and support for regional economic development.
- Creation - investing in product innovation, fintech integration, and digital banking channels to raise service efficiency and customer experience.
- Benefit - delivering measurable value to customers, shareholders, employees, and communities via profitable growth and inclusive finance.
| Metric | 2021 | 2022 | 2023 (latest reported) |
|---|---|---|---|
| Total assets (RMB billion) | 1,200 | 1,450 | 1,700 |
| Net profit (RMB billion) | 15.8 | 20.3 | 24.7 |
| Return on equity (ROE %) | 9.8 | 11.2 | 12.6 |
| Non-performing loan ratio (NPL %) | 1.10 | 1.05 | 0.98 |
| Common Equity Tier 1 ratio (CET1 %) | 11.4 | 11.8 | 12.1 |
| Branch network (count) | 630 | 685 | 732 |
- Digital transformation - expanding mobile and online banking to increase low-cost deposits and cross-sell penetration.
- SME and rural finance - specialized product suites and concessional lending to support agricultural supply chains and small businesses.
- Risk and governance strengthening - tighter credit underwriting, pro-cyclical provisioning, and enhanced compliance frameworks.
- Green and inclusive finance - products promoting environmental projects and financial inclusion in peri-urban and rural areas.
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